How to Beat Northstar Location Services

Sarah Edwards | June 28, 2023

Edited by Hannah Locklear

Finding a collections notice in your mailbox from Northstar Location Services probably isn’t your idea of a great start to the day. It may worry you, especially if you can’t repay the amount due. Ignoring the letter may seem like the best course of action, but that’s a mistake. Instead, you should face the matter to avoid future repercussions.

In this article, we’ll explain who Northstar Location Services is, how they operate, and how you can stand up for your rights and respond to debt collectors before, during, and after a lawsuit has been filed.

Sued by Northstar Location Services? Settle your debt with the help of SoloSettle.

What to know about Northstar Location Services

Northstar Location Services has over 50 years of experience in the collections industry. The company handles first- and third-party debt collections and location services. It’s a branch of The Northstar Companies, which has a presence in the U.S. and Canada. Northstar Location Services is the company’s Canadian collection entity.

Not much is available on the company’s website. It lists several awards the company has received and charities it supports. The mailing address for Northstar Location Services is 350 Bertie St., Fort Erie, Ontario L2A 1Z5. Its phone number is (716) 817-6770.

What do online reviews say about Northstar Location Services?

The Better Business Bureau (BBB) has a profile for Northstar Location Services. The company maintains an A+ rating with the BBB but is not accredited. Clients rate the company 1 out of 5 stars, and there are dozens of complaints.

Similarly, the Consumer Financial Protection Bureau has received several hundred complaints against Northstar Location Services.

Many complaints appear to be FDCPA violations of the consumer’s rights. One person complained that Northstar Location Services called them and asked for personally identifiable information without telling the individual what the call pertained to.

Another consumer received ongoing calls from Northstar Location Services while in bankruptcy. The consumer told Northstar’s representative of the bankruptcy and provided her lawyer’s contact information. However, the calls continued.

One person received daily calls from Northstar for someone else in their family. They asked Northstar to stop calling, but the company continued. The person took their complaint to the BBB, which finally ended all the calls.

As a consumer, you have rights that protect you from unfair debt collection practices. It’s important to learn about your rights so you can stand up for yourself when debt collectors start calling.

Keep reading to learn more.

The FDCPA protects you from unfair debt collection

Debt collectors sometimes use deceptive practices to scare people into repaying a debt. The FDCPA protects American consumers from abusive actions by debt collectors. If a Northstar representative uses any of the following tactics when communicating with you in the U.S., file a complaint with the FTC and the BBB:

• Calling you repeatedly throughout the day.
• Contacting you more than once a week after speaking with them concerning a debt.
• Telling you that they’ll send you to jail if you don’t repay the obligation.
• Failing to identify who they are when calling you.
• Contacting you outside of regular hours, such as before 8 a.m. or after 9 p.m.
• Failing to validate a debt upon request.
• Lying about the debt or who they are.
• Using vulgar, abusive, or threatening language.

The law also states that consumers may be eligible for compensation if they’ve had to work with debt collectors who violated the FDCPA.

Let’s look at an example.

When Northstar Location Services reaches out to you about a debt, the first step to defending your rights is to ask them to validate your debt by sending a Debt Validation Letter.

Ask Northstar Location Services to validate your debt

Your first communication from Northstar Location Services will probably be a letter explaining that you owe money. It will include the name of your original creditor, an account number, and the amount due. The letter should explain that you have 30 days to request debt validation. Otherwise, Northstar will assume it’s valid.

Don’t ignore the letter from Northstar. Instead, prepare a Debt Validation Letter and send it to the email or mailing address provided. In your Debt Validation Letter, ask Northstar to provide you with additional information to validate the debt, including:

• The original account number with the creditor.
• Proof that Northstar now owns your debt.
• The last transaction made on your account.
• An analysis of the amounts due, including interest and fees.
• Calculation of the debt’s age.
• Whether the debt is past the statute of limitations.
• Northstar’s debt license number for your region.

Until Northstar provides you with all the information you request, it must cease collection activities. If Northstar doesn’t have the records it needs to validate your debt, you’re unlikely to hear back.

However, if Northstar provides complete debt validation, you must decide on your next steps.

Draft a Debt Validation Letter today.

You can repay the debt with Northstar

If Northstar holds a valid debt within your area’s statute of limitations window, it’s best to repay it. Repaying the debt stops Northstar from further collection activities, like a lawsuit.

If you have the money to repay the balance, do so. Paying your debt will stop Northstar Location Services from reporting it as an open collections item. If it appears on your credit report, it will show as paid in full. Most future creditors ignore collections items that you have repaid.

You may have the option to set up an installment agreement. In an installment agreement, you’ll make regular payments until you repay the debt. However, Northstar may charge you additional interest or fees, so carefully review any agreement before deciding to proceed.

You can settle the debt with Northstar

Another option to consider is debt settlement. In a debt settlement, you offer Northstar a percentage of the amount you owe in exchange for releasing you from the remaining amount due. Your settlement is a one-time, lump-sum payment.

Settlements can save money while allowing you to move forward from a tough situation. Collection agencies often accept settlements when they know collecting your total debt is unlikely.

Identify how much you can afford to pay Northstar to start the settlement process. We’ve found 40% of the debt to be a good starting point, but the company may ask for more. Once you arrive at a settlement amount, make your payment. After Northstar receives it, it will report your account settled to the credit bureaus.

If you’re not sure about debt settlement, watch the following video to determine if it’s the right choice for you:

SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with Northstar Location Services.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

Northstar Location Services probably won’t go away until you respond

The key to stopping collection activities is knowing your rights. Your first step is to require Northstar Location Services to validate the debt. The agency must stop contacting you if it cannot validate the debt. But if you have a valid obligation with Northstar Location Services, repay it or attempt to settle it before it becomes a bigger issue.

Is Northstar Location Services suing you for unpaid debt? Settle your Northstar Location Services debt with SoloSettle.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court